A shorter commitment won't get the job done. It takes time to help people build skills and infrastructure, to get policies changed, and to ensure that governments spend their money more effectively.
Smart development demands monitoring and evaluation. Organizations should be accountable to report not only what they do, but also how they measure it. Don't believe stories that guarantee long-term impact after one or two years' investment; that's barely time to lay some groundwork.
We all crave the easy answer, the quick solution, but if eradicating poverty were simple, people living in poverty would have sorted it out long ago. They may lack resources like land, but they certainly don't lack intelligence or insight. Poverty is a global challenge—one that we can overcome together, but listening and learning from people living in poverty, and developing solutions with them, takes time and sustained effort.
This issue of OXFAMExchange includes inspiring stories, but they are just snapshots from a family album: moments in a long journey together. Each story is ultimately about perseverance and the need for long-term commitment.
Achieving farm resilience requires building up the resilience of vulnerable farmers by developing their skills, expertise and voice while supporting their use of agro-ecological farming practices. Building resilience depends not just on how farmers manage resources, but on how well local, national, and global institutions support farmers. Agro-ecological practices can empower vulnerable small-scale farmers, offering them both greater control over their lives and an accessible means of improving their food security, while decreasing their risk of crop failure or livestock death due to climate shocks. Vulnerable farmers can use agro-ecological practices to build resilient farms and improve their livelihoods, achieving multiple benefits: 1. improved food security; 2. adaptation to a changing climate; and 3. mitigation of climate change.
People-centred resilience consists of five principles which should guide how investments in vulnerable farming communities are designed and implemented. They are:
Following these principles ensures that investments support farmers in their efforts to become food-secure and adapt to climate change. Four institutions central to delivering people-centered resilience are: secure land rights; dynamic farmer associations; responsive agricultural advisory services; and public support for environmental services.
]]>More than 6 million farmers across the country grow teff, but it’s here, in rugged Adi Ha, where rocks litter the fields like confetti, that this new kind of insurance may take root and spread. An initiative coordinated by Oxfam America and supported by more than a dozen partners, its goal is to help some of the world’s poorest farmers bounce back when drought destroys their crops. And the payout isn’t only in cash. It’s in confidence—the kind that may help propel people out of poverty.
“Without insurance, poor farmers who experience drought might run through all their savings, fall into debt, or sell their livestock and other valuables—often to ruinous results,” says Mengesha Gebremichael, the micro-insurance officer at the Relief Society of Tigray and one of the project’s managers. “In contrast, insured farmers will be more resilient to those shocks. They’ll be in a better position to take out small loans that could help them make big improvements in their next harvest—loans for things like high-yield seeds. They’ll be more confident that they can pay the money back knowing they have insurance to support them if trouble strikes.”
June to October marks the main rainy season in Adi Ha, a critical time for local farmers who depend on the skies to water their teff fields. For poor families living close to the edge, where even a $20 or $30 loss can push them over, there is no room for mishap. Without rain, they face disaster. That’s where the weather insurance comes in. If a certain amount of rain fails to fall at a certain time, farmers who have purchased the insurance can receive a payout to help cover their losses.
In Ethiopia, families have always had traditional ways of coping with extraordinary expenses. If they lose their livestock in a disaster, such as drought, those who are better off will contribute an animal or two to help them rebuild their herds, for instance. Families may also share seeds for planting, or food when it’s in terribly short supply.
But with climate change—and the erratic weather that it brings—the traditional means of surviving bad times may no longer be enough.
“Climate change is dramatically increasing agricultural risk across the planet,” says Marjorie Victor Brans, a senior policy advisor at Oxfam America. “The frequency of droughts and other shocks in Adi Ha is likely to increase, and poor farmers will be among the hardest hit. It’s a hugely challenging phenomenon.”
With 85 percent of Ethiopians employed in farming, much of it rain-fed, the need for new tools to manage the risks is huge. But the market for insurance is miniscule: only about 300,000 people in a country of nearly 80 million now have it. Extending the option to rural areas is loaded with challenges, not the least of them being the concern that poor farmers simply don’t have the money to pay for premiums—even the smallest one.
This new program has solved that problem with a simple solution: It has arranged for the poorest farmers to use their labor to buy insurance, tapping into a new social security initiative the Ethiopian government launched a few years ago. Called the Productive Safety Net Program, or PSNP, it helps about 8 million of the country’s most vulnerable residents by providing them with food or cash in exchange for work. Through the PSNP, 130 Adi Ha farmers are now working extra days on community projects, such as planting trees and grasses to promote soil and water conservation, to pay for their premiums. In this pilot year, Oxfam provided funds to the PSNP to cover this part of the project.
The option to trade labor for insurance has substantially boosted the number of farmers able to participate in the program, nearly doubling the enrollment that was expected.
“It’s good for me to have the insurance as long as I can work and pay with labor,” says Medhin Reda, a single mother who will be working 24 days for her premium. “That is the only asset I have.”
For Selas Samson Biru, who is spending 192 birr on insurance, it will help address the uncertainties that have always been part of farming, especially now that global warming may be altering familiar weather patterns.
“Our season is changing. We don’t know when there will be a bad year and when there will be a good year,” she says. “I believe, after taking the training, this insurance will be helpful during the bad season. This will pay me.”
And the insurance may be extra helpful because it was tailored specifically for farmers like Biru. In fact, she was one of five community members chosen by villagers to join the insurance design team. Twenty-one other farmers participated in a series of test workshops on climate change and financial literacy. Focus group discussions and economic risk simulations carried out in the community helped the design team understand what kind of insurance product would work best in Adi Ha. And on the day of enrollment, about 600 farmers showed up for a host of activities explaining the offerings, including musical performances, a play, peer-to-peer outreach, and financial training.
“Today is a historic day for the farmers of Adi Ha,” said Brans as the activities wound to a close that day and organizers counted the final tally of takers. Among the 200 were 75 women, which represents about 22 percent of all female-headed households in Adi Ha—one of the most vulnerable groups the project is aiming to help. On average, farmers are paying 138 birr for their premiums—or a little more than $12 each. Some chose packages that allowed them to pay as little as 76 birr, or about $6.75. The maximum premium was 288 birr, or just over $23.
“We are experimenting,” said Gebru Kahsay a few months after investing 192 birr into an insurance package. “We started with teff. If we find the insurance is good, we’ll continue. If we fail, we will take a lesson from it.”
Lots of learning has already taken place during the 18 months Oxfam and its partners spent in preparation for the launch of this project. And each of those partners has been contributing its own expertise. Besides the Relief Society of Tigray, or REST, one of the largest aid groups in Africa which has worked closely with the people of Adi Ha, other partners include the Nyala Insurance Company, an Ethiopian firm that is providing the insurance; Swiss Re, one of the world’s largest insurers which has helped fund the launch and is providing technical expertise; and the International Research Institute for Climate and Society at Columbia University, which is providing research on climate data. Additionally, the Dedebit Credit and Savings Institution, or DECSI, the primary provider of loans to families in Adi Ha, helped both to design the pilot and to educate farmers about the pros and cons of insurance.
“We had to work very hard to design a risk management package that was affordable and attractive to farmers, while still being potentially profitable to the insurance industry,” says Bekabil Fufa, an agricultural expert in Oxfam America’s Horn of Africa regional office. “And we had to make it compelling to government and donors who feel it will address the threat of climate change.”
With a solid model now in place, Oxfam is planning in the coming year to expand the initiative into four new villages in Tigray--the region where Adi Ha is located—and into one village in Amhara, another drought-prone region to the south. Eventually, the project partners would like to see weather insurance offered to poor farmers throughout Ethiopia.
It will require a leap of faith by farmers across the country as well as support from the government, donors, NGOs, and the private sector,” says Gebremichael. “But given the long lead times required to build resiliency to climate change, we can’t afford to wait until tomorrow to try.”
]]>Reda, 45, is a farmer in Adi Ha, a collection of small villages in Tigray, a rocky region of northern Ethiopia. Here, rainfall is becoming increasingly unpredictable, and for the farmers who depend on its regularity to ensure their fields will produce food for their families, the change in weather patterns is deeply troubling. Without rain, the crops of hundreds of farmers in Adi Ha won’t grow.
Already this year the rains were six weeks late, coming in mid July instead of early June. That meant the corn got a late start and some farmers didn’t bother with sorghum at all. Still, hopes were high for teff, the tiny grain that is a staple for people here—and across Ethiopia where 6 million farmers grow the nutrient-rich cereal. Reda is one of them.
But this year, she and 199 other small farmers in Adi Ha weren’t taking any chances. When Oxfam and its partners suggested a way to buffer the hardships Mother Nature might bring, the farmers embraced it—even if few had ever heard of such a thing. The proposal? Weather insurance designed for their teff. If the rain failed to fall in certain amounts at certain times, farmers who bought the insurance would receive a payout to cover some of their losses. The insurance is being offered by the Nyala Insurance Company and Swiss Re. Other organizations partnering on the project include the Relief Society of Tigray, or REST; the Dedebit Credit and Savings Institution, or DESCI; and the International Research Institute for Climate and Society at Columbia University.
“Because of repeated drought, which really affected me, I joined the insurance with the understanding it might solve my problems,” said Reda.
For a long time, most people in the insurance business thought that poor farmers, like many of those in Adi Ha, were uninsurable. Where would they get the cash to buy the insurance? This pilot program has answered that with a simple, and ingenious, solution. Reda is paying for her premium—like she does for other important things in her life—with her labor.
Reda, along with 65 percent of all those who have signed up for the insurance, is a participant in Ethiopia’s Productive Safety Net Program, an initiative that provides cash and food for some of the country’s poorest people in exchange for their work on community improvements. She’ll work 24 extra days this year on projects that benefit Adi Ha—such as planting trees and grasses to promote soil and water conservation—to cover the cost of her premium.
“It’s good for me to have the insurance as long as I can work and pay with labor,” says Reda. “That is the only asset I have.”
A single mother and head of an all-girl household at the moment—she lives with three of her daughters; a fourth daughter lives in a nearby town; and a son is away studying—Reda works hard to keep together all the pieces of a difficult life. With one of her daughters, Abbadit Girmay, who is now 19, Reda hauled to their hillside site every stone of the hut they now live in. And to build it, she hired a mason to mortar the rocks together—paying him with a summer’s worth of weeding in his fields.
To get her own fields plowed—she has two, totaling a half hectare of land--Reda hires herself out each planting season, working three full days for the man who owns the oxen, in exchange for one day of his plowing.
Work is Reda’s currency.
"That’s why I’m thin," she says, with a wry smile.
In the corn patch just below her house, Reda stands bent at the waist , her hands flying over the weeds as she yanks and clumps them swiftly into small piles. Close behind, and weeding nearly as fast, Tekleweini Girmay, 7, follows her mother through the stalks. Reda—and necessity—have taught her well.
But a farmer’s life is not what Reda envisions for her youngest child—or any of her daughters. She wants them to have what she never had: an education.
“The season is not good enough for agriculture. Our soil has become poor and they need fertilizer,” she says. “I don’t want my children to be farmers. Those who have started their education I want them to continue and have jobs. And those who haven’t started, I want them to start.” Tekleweini will be among those newly enrolled when the next session of school begins.
And Reda will be, too.
She has signed up for an adult literacy program that REST is offering.
And though Reda can’t read, her mind is filled with news of the world beyond Adi Ha that she absorbs from a small radio she keeps tucked on a shelf in her hut. Voice of America in Tigrinya and Dmitsi Woyane or the voice of the ruling party are among her favorite stations. Sometimes, Reda will stay up until 11 p.m. listening—when there are working batteries, that is. They are expensive, about 10 birr each, or about most of what she would earn for a day’s labor.
There’s no electricity in this stone-walled compound, and few creature comforts. At night, light in Reda’s cramped hut comes from a hanging bulb hooked to a flashlight battery. She also has two small oil lamps. Household wares hang from the ceiling beamed with logs and storage vessels stand in the shadows in the corners. Two mud seats built into the walls near the door serve as beds.
In early August, green washes the hills that stretch below Reda’s hut, a sign that the rain—now that it has finally come—is ample enough for the moment. Her corn is doing well, she says with satisfaction.
And her teff?
The seeds have been in the ground for just a week and years of experience have left her circumspect.
“It’s too early to say if it’s good or bad,” says Reda.
]]>But for Kahsay, a 52-year-old farmer in the Adi Ha area of Tigray in northern Ethiopia, a good deal has changed in the quarter century since so many of his neighbors lost all their crops including teff, a staple grain.
More than a third of the families in Adi Ha grow the tiny seed. It’s rich in nutrients and serves as the base for a pancake-like bread—injera—that many people eat. The hay left after threshing is also nourishing for animals. And for families that have some to spare, the grain commands a good price in the market.
Still, for those who depend on rain to help their teff thrive—it’s the second most widely cultivated rain-fed crop in Adi Ha—growing this cereal can be an iffy proposition, especially as global warming may be forcing a change in weather patterns. The rain came late this year to Adi Ha, preventing some farmers, like Kahsay, from planting early crops of sorghum—and heightening the need for a hearty harvest of teff.
But this year, Kahsay has a back-up plan if the rain doesn’t cooperate: weather insurance. He’s one of 200 farmers in Adi Ha who decided to participate in a pilot program organized by Oxfam America and carried out with the help of numerous local organizations, including the Relief Society of Tigray, or REST. Other partners include the Nyala Insurance Company; Swiss Re: the Dedebit Credit and Savings Institution, or DECSI; and the International Research Institute for Climate and Society at Columbia University.
The farmers—some paying with cash, others with labor—have bought varying amounts of insurance designed specifically for their teff. If the rain fails to fall in certain amounts at certain times, farmers will receive a payout to cover some of their losses.
“According to my belief, this insurance is important to protect us from migrating in a drought in search of food,” says Kahsay, who has bought 192 birr—or about $15—worth of insurance. “It saves the lives of the family during drought.”
Irrigation is also insurance
Kahsay has a large family to be concerned about. He’s the father of nine children, the youngest of whom is just 2. But the weather insurance he is trying out isn’t his only defense against bad times: irrigation also serves as a cushion.
Kahsay is among the more fortunate farmers in Adi Ha who have access to an irrigation system constructed by REST with funding from Oxfam a little more than 10 years ago. With concrete canals and a dam across the Tsalet River, the system has made major improvements to the traditional watering network that would clog with debris during heavy rains. In the month that it would take farmers to clean out the mess, their crops would often die.
For Kahsay, the modern system has been a boon. Though he irrigates just one quarter of a hectare of land, it provides him with an array of produce—oranges, coffee, papayas, tomatoes, onions—that he can sell. In fact, 95 percent of what he grows on his irrigated plot goes to market and the income buffers his family from the hard times that farmers, who depend only on rain-fed harvests, have no choice but to grapple with as best they can.
But Kahsay also tills two hectares of land that rely solely on rain. He sews them with corn, finger millet, sorghum, and teff—and most of the harvests from these fields get consumed by his family.
Wrapping a shawl about his shoulders and tucking an umbrella under his arm—it’s early August and it’s been raining, off and on, for several weeks—Kahsay strides down the slope from where his compound sits atop a rock ledge. Though he’s been battling malaria, he moves fast toward his fields, with a string of visitors straggling behind.
Soon, he reaches an expanse of sandy soil, dusty on the surface. Shoving up through the plowed ridges are shafts of green, so delicate they could almost be a trick of the eye in the brilliance of the afternoon sun. This is Kahsay’s teff field, well-guarded by his seven-year-old grandson, Aregawi Mulugeta, standing with a stick under the shade of a tree. Kahsay greets him heartily, and together they trek to the middle of the field to examine the shoots.
The teff is doing well, he reports.
But Kahsay says he would have liked to have had weather insurance that covers too much rainfall, not too little. In this region of sandy soils, heavy rains that come too fast can be as much of a hazard for teff as drought, and 1997 is still vivid in his mind because of that. That was the year flooding destroyed 70 percent of the teff he had planted.
Despite the water-logging, Kahsay has also seen a troubling trend toward increased dryness over the decades. Like all farmers, he watches the weather closely and analyzes the conditions.
Drought used to strike every eight years or so, he says. But now the cycle seems to be speeding up. And with drought comes the hardship of food shortages—for both people and the animals that help farmers plow their fields and provide them with milk.
With those trends becoming ever clearer, the purchase of weather insurance may turn out to be one of the best adaptations the people of Adi Ha can make.
“We are experimenting,” says Kahsay. “We started with teff. If we find the insurance is good, we’ll continue. If we fail, we will take a lesson from it.”
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